Sunday, January 12, 2020

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In a recent ABC News/Washington Post poll, 24 percent (3% excellent, 21% good) of adults nationwide felt positively about the US economy, while 74 percent (36% not so good, 38% poor) expressed negative views. We present results for non-Hispanic whites, who account for 41 percent of the state’s adult population, and also for Latinos, who account for about a third of the state’s adult population and constitute one of the fastest-growing voter groups. We also present results for non-Hispanic Asian Americans, who make up about 16 percent of the state’s adult population, and non-Hispanic African Americans, who comprise about 6 percent. Results for other racial/ethnic groups—such as Native Americans—are included in the results reported for all adults, registered voters, and likely voters, but sample sizes are not large enough for separate analysis.

About one in three across partisan groups say the outcome of Prop 27 is very important to them. Fewer than half across partisan groups say the outcome of Prop 30 is very important to them. Rachel Lawler is a survey analyst at the Public Policy Institute of California, where she works with the statewide survey team. Prior to joining PPIC, she was a client manager in Kantar Millward Brown’s Dublin, Ireland office. In that role, she led and contributed to a variety of quantitative and qualitative studies for both government and corporate clients. She holds an MA in American politics and foreign policy from the University College Dublin and a BA in political science from Chapman University.

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Cell phone interviews were conducted using a computer-generated random sample of cell phone numbers. Additionally, we utilized a registration-based sample of cell phone numbers for adults who are registered to vote in California. After a cell phone user was reached, the interviewer verified that this person was age 18 or older, a resident of California, and in a safe place to continue the survey (e.g., not driving). Cell phone respondents were offered a small reimbursement to help defray the cost of the call. Cell phone interviews were conducted with adults who have cell phone service only and with those who have both cell phone and landline service in the household.

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With persistent inflation and concerns about a possible recession in the future, an overwhelming majority of Californians believe the US economy is in not so good (43% adults, 40% likely voters) or poor (33% adults, 36% likely voters) shape. About a quarter of adults (3% excellent, 20% good) and likely voters (2% excellent, 23% good) feel positively about the national economy. Strong majorities across partisan groups feel negatively, but Republicans and independents are much more likely than Democrats to say the economy is in poor shape. Solid majorities across the state’s major regions as well as all demographic groups say the economy is in not so good or poor shape.

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The sample included 569 respondents reached by calling back respondents who had previously completed an interview in PPIC Statewide Surveys in the last six months. This map highlights the five geographic regions for which we present results; these regions account for approximately 90 percent of the state population. Fewer than half of likely voters say the outcome of each of these state propositions is very important to them. Today, 21 percent of likely voters say the outcome of Prop 26 is very important, 31 percent say the outcome of Prop 27 is very important, and 42 percent say the outcome of Prop 30 is very important. The shares saying the outcomes are very important to them have remained similar to a month ago for Prop 27 (29%) and Prop 30 (42%). Today, when it comes to the importance of the outcome of Prop 26, one in four or fewer across partisan groups say it is very important to them.

Mark Baldassare is president and CEO of the Public Policy Institute of California, where he holds the Arjay and Frances Fearing Miller Chair in Public Policy. He is a leading expert on public opinion and survey methodology, and has directed the PPIC Statewide Survey since 1998. He is an authority on elections, voter behavior, and political and fiscal reform, and the author of ten books and numerous publications.

Views of Democracy from the Golden State

Shares expressing satisfaction have increased somewhat from a month ago (53%) and were similar prior to the 2018 gubernatorial election (60% October 2018). Today, a solid majority of Democrats (79%) and independents (61%) say they are satisfied, compared to fewer than half of Republicans (44%). Majorities across demographic groups say they are satisfied, and notably, women (68%) are more likely than men (56%) to say this. Majorities across the state’s regions say they are satisfied with their choices of candidates in the upcoming gubernatorial election. Democratic incumbent Gavin Newsom is ahead of Republican Brian Dahle (55% to 36%) among likely voters, while few say they would not vote, would vote for neither, or don’t know who they would vote for in the governor’s race.

Majorities across regions and all demographic groups—with the exception of men (49% very important)—say abortion rights are very important when making their choice among candidates for Congress. Landline interviews were conducted using a computer-generated random sample of telephone numbers that ensured that both listed and unlisted numbers were called. Additionally, we utilized a registration-based sample of landline phone numbers for adults who are registered to vote in California. After a household was reached, an adult respondent was randomly chosen for interviewing using the “last birthday method” to avoid biases in age and gender. With all 80 state assembly positions and half of state senate seats up for election, fewer than half of adults (49%) and likely voters (43%) approve of the way that the California Legislature is handling its job.

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Satisfaction was higher in our February survey when 53 percent of adults and 48 percent of likely voters were satisfied with democracy in America. Today, half of Democrats and about four in ten independents are satisfied, compared to about one in five Republicans. Across regions, half of residents in the San Francisco Bay Area (52%) and the Inland Empire (50%) are satisfied, compared to fewer elsewhere.

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Additional details about our methodology can be found at /wp-content/uploads/SurveyMethodology.pdf and are available upon request through The Lenovo Smart Clock 2 Is Just $25 at Best Buy Right Now This clock is usually $90, but you can save $65 on it if you act fast. Save $70 on the Samsung Galaxy Watch 5 Pro and Get a Free $50 Gift Card Upgrade to the latest Samsung smartwatch and get a free Best Buy gift card with your purchase. Two of Our Favorite Theragun Handheld Massage Guns Are Now Down to $238 Choose from three different styles and save yourself hundreds during this deal. This is one of the best S22 Ultra deals that doesn't require a trade-in or lock you into a service plan.

Older likely voters (27%) are slightly more likely than younger likely voters (21%) to say they are following the news closely. We present results for five geographic regions, accounting for approximately 90 percent of the state population. “Central Valley” includes Butte, Colusa, El Dorado, Fresno, Glenn, Kern, Kings, Madera, Merced, Placer, Sacramento, San Joaquin, Shasta, Stanislaus, Sutter, Tehama, Tulare, Yolo, and Yuba Counties. “San Francisco Bay Area” includes Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano, and Sonoma Counties.

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We analyze the results of those who live in competitive house districts as determined by the Cook Political Report’s 2022 House Race Ratings updated September 1, 2022. These districts are 3, 9, 13, 22, 27, 40, 41, 45, 47, and 49; a map of California’s congressional districts can be found here. California voters have now received their mail ballots, and the November 8 general election has entered its final stage. The 2022 midterm election also features a closely divided Congress, with the likelihood that a few races in California may determine which party controls the US House. Among partisans, an overwhelming majority of Democrats (78%) and 55 percent of independents say it is very important, compared to 43 percent of Republicans.

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Cell phone interviews were conducted using a computer-generated random sample of cell phone numbers. Additionally, we utilized a registration-based sample of cell phone numbers for adults who are registered to vote in California. After a cell phone user was reached, the interviewer verified that this person was age 18 or older, a resident of California, and in a safe place to continue the survey (e.g., not driving). Cell phone respondents were offered a small reimbursement to help defray the cost of the call. Cell phone interviews were conducted with adults who have cell phone service only and with those who have both cell phone and landline service in the household.

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In September, a similar share of likely voters preferred the Democratic candidate (60% Democrat/lean Democrat, 34% Republican/lean Republican). Today, overwhelming majorities of partisans support their party’s candidate, while independents are divided (50% Democrat/lean Democrat, 44% Republican/lean Republican). Democratic candidates are preferred by a 26-point margin in Democratic-held districts, while Republican candidates are preferred by a 23-point margin in Republican-held districts.

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Majorities of California adults (53%) and likely voters (52%) approve of the way President Biden is handling his job, while fewer disapprove (43% adults, 47% likely voters). Approval is similar to September (53% adults and likely voters), and Biden’s approval rating among adults has been at 50 percent or higher since we first asked this question in January 2021. Today, about eight in ten Democrats approve of Biden’s job performance, compared to about four in ten independents and one in ten Republicans. Approval is higher in the San Francisco Bay Area and Los Angeles than in the Inland Empire, Orange/San Diego, and the Central Valley. About half or more across demographic groups approve of President Biden, with the exception of those with some college education (44%).

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The share supporting the reelection of the governor was similar a month ago (58% Newsom, 31% Dahle). Today, Newsom enjoys the support of most Democrats (91%), while most Republicans (86%) support Dahle; Newsom has an edge over Dahle among independent likely voters (47% Newsom, 37% Dahle). Across the state’s regions, two in three in the San Francisco Bay Area and Los Angeles support Newsom, as do nearly half in the Inland Empire and Orange/San Diego; likely voters in the Central Valley are split. Newsom leads in all demographic groups, with the exception of men (45% Newsom, 44% Dahle) and those with a high school diploma only (46% Newsom, 49% Dahle). The share supporting Newsom grows as educational attainment increases (46% high school only, 56% some college, 60% college graduates), while it decreases with rising income (64% less than $40,000, 56% $40,000 to $79,999, 52% $80,000 or more). Californians are much more pessimistic about the direction of the country than they are about the direction of the state.

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Views are deeply divided along partisan lines; approval is highest in the San Francisco Bay Area and lowest in Orange/San Diego. About half across racial/ethnic groups approve, and approval is much higher among younger Californians. As Californians prepare to vote in the upcoming midterm election, fewer than half of adults and likely voters are satisfied with the way democracy is working in the United States—and few are very satisfied.

Older likely voters (27%) are slightly more likely than younger likely voters (21%) to say they are following the news closely. We present results for five geographic regions, accounting for approximately 90 percent of the state population. “Central Valley” includes Butte, Colusa, El Dorado, Fresno, Glenn, Kern, Kings, Madera, Merced, Placer, Sacramento, San Joaquin, Shasta, Stanislaus, Sutter, Tehama, Tulare, Yolo, and Yuba Counties. “San Francisco Bay Area” includes Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano, and Sonoma Counties.

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With persistent inflation and concerns about a possible recession in the future, an overwhelming majority of Californians believe the US economy is in not so good (43% adults, 40% likely voters) or poor (33% adults, 36% likely voters) shape. About a quarter of adults (3% excellent, 20% good) and likely voters (2% excellent, 23% good) feel positively about the national economy. Strong majorities across partisan groups feel negatively, but Republicans and independents are much more likely than Democrats to say the economy is in poor shape. Solid majorities across the state’s major regions as well as all demographic groups say the economy is in not so good or poor shape.

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We analyze the results of those who live in competitive house districts as determined by the Cook Political Report’s 2022 House Race Ratings updated September 1, 2022. These districts are 3, 9, 13, 22, 27, 40, 41, 45, 47, and 49; a map of California’s congressional districts can be found here. California voters have now received their mail ballots, and the November 8 general election has entered its final stage. The 2022 midterm election also features a closely divided Congress, with the likelihood that a few races in California may determine which party controls the US House. Among partisans, an overwhelming majority of Democrats (78%) and 55 percent of independents say it is very important, compared to 43 percent of Republicans.

In the ten competitive California districts as defined by the Cook Political Report, the Democratic candidate is preferred by a 22-point margin (54% to 32%). Six in ten likely voters say they are following news about the 2022 governor’s race very (25%) or fairly (35%) closely—a share that has risen from half just a month ago (17% very, 33% fairly). This finding is somewhat similar to October 2018, when 68 percent said this (28% very, 40% closely) a month before the previous gubernatorial election. Today, majorities across partisan, demographic, and regional groups say they are following news about the gubernatorial election either very or fairly closely. The shares saying they are following the news very closely is highest among residents in Republican districts (39%), Republicans (30%), whites (29%), and adults with incomes of $40,000 to $79,999 (29%).

Approval of Congress among adults has been below 40 percent for all of 2022 after seeing a brief run above 40 percent for all of 2021. The Public Policy Institute of California is dedicated to informing and improving public policy in California through independent, objective, nonpartisan research. Next, we have a few questions to ask you about some of the propositions on the November ballot. In addition to the lack of satisfaction with the way democracy is working, Californians are divided about whether Americans of different political positions can still come together and work out their differences. Optimism has been similar in more recent years, but has decreased 7 points since we first asked this question in September 2017 (56%).

Results for African American and Asian American likely voters are combined with those of other racial/ethnic groups because sample sizes for African American and Asian American likely voters are too small for separate analysis. We also analyze the responses of likely voters—so designated per their responses to survey questions about voter registration, previous election participation, intentions to vote this year, attention to election news, and current interest in politics. With about two weeks to go before Governor Newsom’s bid for reelection, a majority of Californians (54%) and likely voters (52%) approve of the way he is handling his job, while fewer disapprove (33% adults, 45% likely voters). Approval was nearly identical in September (52% adults, 55% likely voters) and has been 50 percent or more since January 2020. Today, about eight in ten Democrats—compared to about half of independents and about one in ten Republicans—approve of Governor Newsom. Across demographic groups, about half or more approve of how Governor Newsom is handling his job.

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Before joining PPIC, he was a professor of urban and regional planning in the School of Social Ecology at the University of California, Irvine, where he held the Johnson Chair in Civic Governance. He has conducted surveys for theLos Angeles Times, theSan Francisco Chronicle, and the California Business Roundtable. Deja Thomas is a survey analyst at the Public Policy Institute of California, where she works with the statewide survey team. Prior to joining PPIC, she was a research assistant with the social and demographic trends team at the Pew Research Center. In that role, she contributed to a variety of national quantitative and qualitative survey studies. Approval of Congress remains low, with fewer than four in ten adults (37%) and likely voters (29%) approving.

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Additional details about our methodology can be found at /wp-content/uploads/SurveyMethodology.pdf and are available upon request through The Lenovo Smart Clock 2 Is Just $25 at Best Buy Right Now This clock is usually $90, but you can save $65 on it if you act fast. Save $70 on the Samsung Galaxy Watch 5 Pro and Get a Free $50 Gift Card Upgrade to the latest Samsung smartwatch and get a free Best Buy gift card with your purchase. Two of Our Favorite Theragun Handheld Massage Guns Are Now Down to $238 Choose from three different styles and save yourself hundreds during this deal. This is one of the best S22 Ultra deals that doesn't require a trade-in or lock you into a service plan.

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The percentages presented in the report tables and in the questionnaire may not add to 100 due to rounding. We believe in the power of good information to build a brighter future for California. For those following the case, the CMA's latest intervention will not come as a surprise - it is the next step on the regulator's recent roadmap for how and when it will weigh in with its final ruling. This month, we were due the CMA's October "issues statement" - and it seems that this is the document to which Microsoft has now publicly responded.

Saturday, January 11, 2020

Shadow Mountain Village Scottsdale, Arizona

Save this search to get email alerts when listings hit the market. MHBO’s up-to-the-minute search tools and insider status mean you won’t miss your perfect listing.

He noted that the mobile home parks led to many unanticipated challenges. For instance, if a crime was committed at the park, the community couldn’t try the suspect in tribal courts even though the crime occurred on the reservation. Stapp said investors frequently open mobile-home parks as an interim land use with the long-term plan of replacing it with apartments or condos when the housing market is right. For instance, if a crime was committed at the park, the community couldn't try the suspect in tribal courts even though the crime occurred on the reservation. A California-based company called Wenner Management took over the lease and operation of the mobile home park more than a decade ago. A spokesperson for the Salt River Pima-Maricopa Community confirmed the community does not plan to renew the lease with Wenner Management but did not say why.

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The community told Wenner Management it did not plan to renew the company’s lease for Shadow Mountain Village and another park it operated on the reservation in 2015 or earlier, according to court documents. The community told Wenner Management it did not plan to renew the company's lease for Shadow Mountain Village and another park it operated on the reservation in 2015 or earlier, according to court documents. The developer of the 55-and-older Shadow Mountain Village mobile home park leased lot spaces to more than 500 individual renters.

shadow mountain village mobile home park

Shadow Mountain Village is a mobile home park in Scottsdale, AZ. The average space rent is $520 per month. During your real estate search in Scottsdale, it is important to research all monthly fees. Mobile homes are slightly different than stick built homes because they have a monthly space rent, also known as lot rent. You can get mortgages on mobile homes, as well as insurance, just like stick built homes and condos. But many have closed or plan to close so investors can build pricier real estate options on the land. Rising land values in the region have led some park owners to redevelop the parks into pricier real estate options, like apartments or condos.

E Mckellips Rd, Scottsdale, AZ 85257-4800

This well-maintained retirement community has easy access to local recreation, shopping and entertainment. Based in Grand Rapids, Michigan, MHVillage Inc. is the nation’s premier online marketplace for buying and selling manufactured homes with more than 25 million unique visitors annually. Last year, more than 80,000 homes were sold on MHVillage with a combined transaction value exceeding $3 billion. Parks still operating have raised rent prices and stopped accepting older mobile homes like Olsen’s. " really important to our affordable-housing stock. It's not always to the average person considered when talking about affordable housing, but it is, and it's really important," Stapp said.

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In 2018, investors bought a record 40 metro Phoenix mobile-home parks for more than $225 million. Olsen said he doesn't want to deal with a land lease again for fear of another surprise forced move. Olsen is trying to convince the state or federal government to provide a long-term, low-cost loan to purchase 40 acres in Surprise that could be split into 100 lots.

Community Features

Residents living at that park only had about two years notice that they would have to leave. Zillow Group is committed to ensuring digital accessibility for individuals with disabilities. We are continuously working to improve the accessibility of our web experience for everyone, and we welcome feedback and accommodation requests. If you wish to report an issue or seek an accommodation, please let us know.

“We are looking at ways to direct more funding to people living in older mobile home parks,” Simplot said. When parks close, residents often have a short amount of time to find a new place to live. The high demand for a dwindling number of mobile home lots has left some people with no choice but to abandon their homes. We provide information about homes, including average space rent, HOA fees, homes, condos, and mobile homes for sale, and neighborhoods across the United States.

Knowing your area’s climate zone (as assigned by the U.S. Department of Energy’s Building America Program into one of eight zones), can help you predict your heating and cooling needs. Climate is defined as a region that receives less than 20 inches of annual precipitation, and where the monthly average outdoor temperature remains above 45°F (7°C) throughout the year. Search our exclusive database of parks and communities to find a perfect fit. By clicking "Send Message" you agree to receive email from this seller or sales agent, which you can opt out of at any time. This form is intended for legitimate inquiries from individuals who are considering Shadow Mountain Mobile Home Park. Using this messaging system for any other purposes, such as solicitation or filing complaints, is prohibited by the MHVillage.com Terms of Use.

Shadow Mountain Village Mobile Home Community is a land-lease community was built in 1974. If Olsen's plan doesn't pan out, residents of Shadow Mountain Village have few options to move their homes. The community initially leased the land near Loop 101 and McKellips Road to a developer in 1976 for 25 years. Ric Olsen, who retired and moved into Shadow Mountain Village mobile home park about 10 years ago, planned to spend the rest of his life at the park. Shadow Mountain Village Mobile Home Community is an affordable housing choice for active, friendly, age-qualified living.

Others couldn't move expensive decks and other immovable structures they had built on their lots and had to leave them behind. Roadrunner Lake Resort, the other mobile home park Wenner Management operated on the Salt River Pima-Maricopa Indian Community, closed in 2019. The renters have to renew their leases with Wenner Management annually, but the company must renew unless there is just cause not to.

Check your credit score before applying to this mobile home community. Sign up today to pay rent, submit maintenance requests, and view your online account from anywhere. Actually, the company’s lease with the community ends in October 2026. But such redevelopment is forcing out one of the only consistent affordable-housing options in metro Phoenix and leaving residents who counted on the low-cost housing option with few replacement options. Since 2018, there have been an additional $325 million in mobile home park sales in metro Phoenix. That’s more than double the money investors poured into buying Valley mobile-home parks during all of 2015, the second biggest year ever for sales.

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The streets in the community are paved, and are of an average street width. The water in the community is sourced from the city and the sewer system is city provided. Parking is off-street The community has 0 parking spaces available for RVs. Some residents of the park incurred unexpected costs to move their homes.

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It will also pay to rehabilitate a mobile home built before 1976 if the owner's household income is at or below 100% of the federal poverty guidelines, which is $26,500 for a family of four in 2021. Many homes in the park, including his, were built before 1976 and require significant updates before they can move to a new park. Shadow Mountain Village residents have more time to prepare to leave but, Olsen said, the challenges are the same. Actually, the company's lease with the community ends in October 2026. More than 500 seniors who live in a mobile home park near Scottsdale on the Salt River-Pima Maricopa Indian Community will have to find a new place to live when the park shuts down in 2026. Climate zone corresponds to the portions of IECC zones 2 and 3 in the dry category.

500 Seniors Must Leave Mobile Home Park Near Scottsdale

When parks close, residents often have a short amount of time to find a new place to live. The high demand for a dwindling number of mobile home lots has left some people with no choice but to abandon their homes. Benjamin Anton, a real estate agent in the East Valley and Salt River member, said it is unusual for non-Native people to live on the reservation and he believed the community never intended for the parks to operate in perpetuity.

More than 500 seniors who live in a mobile home park near Scottsdale on the Salt River-Pima Maricopa Indian Community will have to find a new place to live when the park shuts down in 2026. By clicking "Send Message" you agree to receive email from this seller or sales agent, which you can opt out of at any time. This form is intended for legitimate inquiries from individuals who are considering Shadow Mountain. Using this messaging system for any other purposes, such as solicitation or filing complaints, is prohibited by the MHVillage.com Terms of Use.

'What am I supposed to do?': 500 seniors must leave mobile-home park near Scottsdale

The total number of renter households within the zip code of is 4,278, which means that 64.99% of households in this zipcode are owner occupant households. “We are looking at ways to direct more funding to people living in older mobile home parks,” Simplot said. The community told Wenner Management it did not plan to renew the company's lease for Shadow Mountain Village and another park it operated on the reservation in 2015 or earlier, according to court documents.

shadow mountain mobile home park scottsdale az

For instance, if a crime was committed at the park, the community couldn’t try the suspect in tribal courts even though the crime occurred on the reservation. A California-based company called Wenner Management took over the lease and operation of the mobile home park more than a decade ago. Shadow Mountain Village Mobile Home Community is an affordable housing choice for active, friendly, age-qualified living.

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Olsen is trying to convince the state or federal government to provide a long-term, low-cost loan to purchase 40 acres in Surprise that could be split into 100 lots. It will also pay to rehabilitate a mobile home built before 1976 if the owner's household income is at or below 100% of the federal poverty guidelines, which is $26,500 for a family of four in 2021. Shadow Mountain Village residents have more time to prepare to leave but, Olsen said, the challenges are the same. Actually, the company's lease with the community ends in October 2026. Actually, the company’s lease with the community ends in October 2026.

shadow mountain mobile home park scottsdale az

The average list price per square foot of the available inventory in Shadow Mountain Mobile Home Parkis $, which is below the Scottsdale average of $36. Recent comparable homes have been selling for 83.33% of their asking price. The population of Scottsdale, according to the 2010 Census, is 217,385. The total number of households in the zip code of Scottsdale is 12,220, with an average household size for of 2.17 people.

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We provide information about homes, including average space rent, HOA fees, homes, condos, and mobile homes for sale, and neighborhoods across the United States. Shadow Mountain Mobile Home Park is a subdivision within the city of Scottsdale, Arizona. There are currently 0 Homes for Sale within Shadow Mountain Mobile Home Park, with asking prices ranging from $ to $.

shadow mountain mobile home park scottsdale az

Others couldn't move expensive decks and other immovable structures they had built on their lots and had to leave them behind. A spokesperson for the Salt River Pima-Maricopa Community confirmed the community does not plan to renew the lease with Wenner Management but did not say why. The renters have to renew their leases with Wenner Management annually, but the company must renew unless there is just cause not to. Shadow Mountain Village Mobile Home Community is a land-lease community was built in 1974. If Olsen's plan doesn't pan out, residents of Shadow Mountain Village have few options to move their homes. Roadrunner Lake Resort, the other mobile home park Wenner Management operated on the Salt River Pima-Maricopa Indian Community, closed in 2019.

But such redevelopment is forcing out one of the only consistent affordable-housing options in metro Phoenix and leaving residents who counted on the low-cost housing option with few replacement options. That’s more than double the money investors poured into buying Valley mobile-home parks during all of 2015, the second biggest year ever for sales. Olsen said he doesn't want to deal with a land lease again for fear of another surprise forced move.

Shadow Mountain Village is a mobile home park in Scottsdale, AZ. The average space rent is $520 per month. During your real estate search in Scottsdale, it is important to research all monthly fees. Mobile homes are slightly different than stick built homes because they have a monthly space rent, also known as lot rent.

E Mckellips Rd Scottsdale, AZ 85257-4800

Residents at Shadow Mountain Village said they thought the company that manages the mobile home park had a long-term agreement with the Salt River Pima-Maricopa Indian Community to operate the park for decades. Parks still operating have raised rent prices and stopped accepting older mobile homes like Olsen’s. Ric Olsen, who retired and moved into Shadow Mountain Village mobile home park about 10 years ago, planned to spend the rest of his life at the park. Contact us to improve this listing to attract more residents.

Parking is off-street The community has 0 parking spaces available for RVs. Stapp said investors frequently open mobile-home parks as an interim land use with the long-term plan of replacing it with apartments or condos when the housing market is right. Some residents of the park incurred unexpected costs to move their homes. Some couldn't find a place to move and abandoned their homes.

Frequently Asked Questions about Shadow Mountain Village Scottsdale

You can get mortgages on mobile homes, as well as insurance, just like stick built homes and condos. But many have closed or plan to close so investors can build pricier real estate options on the land. Rising land values in the region have led some park owners to redevelop the parks into pricier real estate options, like apartments or condos.

shadow mountain mobile home park scottsdale az

The community told Wenner Management it did not plan to renew the company’s lease for Shadow Mountain Village and another park it operated on the reservation in 2015 or earlier, according to court documents. The developer of the 55-and-older Shadow Mountain Village mobile home park leased lot spaces to more than 500 individual renters. If you check out ByOwner.com, you will encounter a comprehensive site that lacks nothing for interested owners. The exposure you seek for your property will receive promotion equal to that of a traditional real estate office. He noted that the mobile home parks led to many unanticipated challenges. For instance, if a crime was committed at the park, the community couldn't try the suspect in tribal courts even though the crime occurred on the reservation.

Fill out the form below to send a message to this community and request more information on this park or schedule a tour. I have not been here very long but all the people I have met have been really nice. Lots of things to do if you want to get involved or not it's your choice. They even have a welcome committee which I think is totally awesome thank you Joan., for making me feel welcome. I moved here from Road runner lake resort after allmost 20 years...originally from. ReMax, C-21, Coldwell Banker, ERA, Redfin, Movoto, Keller Williams.

shadow mountain mobile home park scottsdale az

This well-maintained retirement community has easy access to local recreation, shopping and entertainment. The streets in the community are paved, and are of an average street width. The water in the community is sourced from the city and the sewer system is city provided.

Friday, January 10, 2020

Press Releases U S. Department of the Treasury

In Europe, some compare this growing industry to that of e-commerce ten years ago. Examples of real estate crowdfunding platforms are EquityMultiple, Fundrise, Yieldstreet, and RealtyMogul. Additionally, crowdfunding that supports pre-buying allows creators to obtain early feedback on the product.

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Water use and conservation in California is a politically divisive issue, as the state experiences periodic droughts and has to balance the demands of its large agricultural and urban sectors, especially in the arid southern portion of the state. The state's widespread redistribution of water also invites the frequent scorn of environmentalists. All real property is taxable annually; the ad valorem tax is based on the property's fair market value at the time of purchase or the value of new construction. Property tax increases are capped at 2% annually or the rate of inflation , per Proposition 13.

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He invited immigrants to stay on his ranch until they could get settled, and assisted in their obtaining passports. From the 1820s, trappers and settlers from the United States and Canada began to arrive in Northern California. These new arrivals used the Siskiyou Trail, California Trail, Oregon Trail and Old Spanish Trail to cross the rugged mountains and harsh deserts in and surrounding California. The early government of the newly independent Mexico was highly unstable, and in a reflection of this, from 1831 onwards, California also experienced a series of armed disputes, both internal and with the central Mexican government. During this tumultuous political period Juan Bautista Alvarado was able to secure the governorship during 1836–1842. The military action which first brought Alvarado to power had momentarily declared California to be an independent state, and had been aided by Anglo-American residents of California, including Isaac Graham.

Many individual investors would otherwise have a hard time investing in early-stage companies because of the difficulty of identifying a company directly and the high costs of joining an Angel Group or doing it through a professional venture capital firm. Traditionally, journalists are not involved in advertising and marketing. Crowdfunding means that journalists are attracting funders while trying to remain independent, which may pose a conflict. Therefore, being directly involved with financial aspects can call journalistic integrity and journalistic objectivity into question. This is also due to the fact that journalists may feel some pressure or "a sense of responsibility" toward funders who support a particular project.

Market Brief

It was extremely easy to get approved for first and second mortgages before 2007, but things changed after the housing crisis. Lenders will check your credit and might require a home appraisal to firmly establish the fair market value of your property and the amount of your equity. Several weeks or more can pass before any money is available to you. You don't receive a lump sum with a home equity line of credit but rather a maximum amount available for you to borrow—the line of credit—that you can borrow from whenever you like. This option effectively allows you to borrow multiple times, similar to a credit card.

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Between January 2017 and April 2020 globally 99 venture capital financing rounds for crowdfunding platforms took place with more than half a billion USD of total money raised. The median amount per venture capital financing rounds for crowdfunding was $5 million in the U.S. and $1.5 million in Europe between January 2017 and April 2020. Asset pricing theory develops the models used in determining the risk-appropriate discount rate, and in pricing derivatives; and includes the portfolio- and investment theory applied in asset management. The analysis essentially explores how rational investors would apply risk and return to the problem of investment under uncertainty, producing the key "Fundamental theorem of asset pricing". Here, the twin assumptions of rationality and market efficiency lead to modern portfolio theory , and to the Black–Scholes theory for option valuation.

Philanthropy and civic projects

Along with the rest of the United States, California's immigration pattern has also shifted over the course of the late 2000s to early 2010s. Immigration from Latin American countries has dropped significantly with most immigrants now coming from Asia. Fifty-seven percent came from Asian countries versus 22% from Latin American countries. Net immigration from Mexico, previously the most common country of origin for new immigrants, has dropped to zero / less than zero since more Mexican nationals are departing for their home country than immigrating.

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For share valuation investors use the related dividend discount model. +Rates are based on an evaluation of credit history, so your rate may differ. Direct Deposit Send funds directly to your account to ensure seamless deposits while you're deployed or traveling.The Ultimate Certificate Strategy Laddering your certificates is an excellent way to ensure you earn the best rates possible. In February 2021, out of the 25,166,581 people eligible to vote, 22,154,304 people were registered to vote.

Veronica Mars raised a total of $5,702,153 with 91,585 backers in March 2013 to create a film set 9 years after the end of the TV show. In the campaign's first 12 hours of existence, it became the fastest Kickstarter campaign to reach both $1 million and $2 million and it held onto the record of highest in the "film" category until Mystery Science Theater 3000 beat it in 2015. Our program includes access to our cutting-edge partner portal with 24/7 lead tracking, a co-branded landing page, status updates, and competitive referral fees. FTX, formerly one of the largest crypto exchanges in the world, is seeking to sell four of its businesses. The collapse of FTX wiped out the assets of investors large and small, but the young and mom-and-pop investors in the crypto firm will be hardest hit. Start with Cerebro by making a Complimentary Loan Request that gives you a powerful data-driven analysis of your financing options.

Sovereign debt issuance, or municipal bonds for public works projects. It was in the middle of the 20th century that finance emerged as a distinct academic discipline, separate from economics. (The first academic journal, The Journal of Finance, began publication in 1946.) The earliest doctoral programs in finance were established in the 1960s and 1970s.Finance is widely studied at the undergraduate and masters level. Some fields are multidisciplinary, such as mathematical finance, financial law, financial economics, financial engineering and financial technology. At AF we pride ourselves on the personalised services we provide and our sector specific account managers are highly trained to guide you all the way. Our field of membership is open to the armed forces, the DoD, veterans and their families.Servicemember Specials Take advantage of our military exclusives, offering low rates, special offers and discounts for those who have served.

Where historic number of migrants is coming from and why: ANALYSIS

In the summer of 1885, crowdfunding averted a crisis that threatened the completion of the Statue of Liberty. Construction of the statue's pedestal stalled due to a lack of financing. Fundraising efforts for the project fell short of the necessary amount by more than a third. New York Governor Grover Cleveland refused to appropriate city funds for the project, and Congress could not agree on a funding package.

Commercial mortgages and real estate loan rates are complex and vary based on many factors. That said, borrowers can generally expect rates between 3.13% and 4.27% for fixed rate loans. Some individuals and companies focus their investment strategy on purchasing properties that are in some stage of foreclosure. A property is considered in pre-foreclosure when the homeowner has defaulted on their mortgage loan.

Clopton Capital commercial mortgage broker clients applaud us for the fact that we do not weigh client worth by loan-size. Applicants for $1 million or $100 million receive the same focused attention, which in a nutshell is managing your deal from end-to-end with full transparency and maintaining peace-of-mind. The small print is never an obstacle in negotiating the most comfortable loan redemption terms and lowest interest rates available. The process – not without its complexities – is nonetheless a seamless exercise for us right up to the point of closing, and beyond. DonorsChoose.org, founded in 2000, allows public school teachers in the United States to request materials for their classrooms.

Home Mortgage & Refinancing Made Simple

This variety, known as California English, has a vowel shift and several other phonological processes that are different from varieties of American English used in other regions of the United States. In total, 16 languages other than English were spoken as primary languages at home by more than 100,000 persons, more than any other state in the nation. New York State, in second place, had nine languages other than English spoken by more than 100,000 persons. The most common language spoken besides English was Spanish, spoken by 28.46% of the population.

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You can make smaller payments in the early years, but at some point you must start making fully amortizing payments that will eliminate the loan. You can get a lump sum of cash upfront when you take out a home equity loan and repay it over time with fixed monthly payments. Yourinterest ratewill be set when you borrow and should remain fixed for the life of the loan.

Corporate finance

The range embraces Yosemite Valley, famous for its glacially carved domes, and Sequoia National Park, home to the giant sequoia trees, the largest living organisms on Earth, and the deep freshwater lake, Lake Tahoe, the largest lake in the state by volume. Million people, almost two-thirds of the state's population as well as water for farmers on the west side of the San Joaquin Valley. An energy crisis in 2001 led to rolling blackouts, soaring power rates, and the importation of electricity from neighboring states. Southern California Edison and Pacific Gas and Electric Company came under heavy criticism.

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In these institutions, risk management, regulatory capital, and compliance play major roles. Finance is the study and discipline of money, currency and capital assets. It is related to, but not synonymous with economics, the study of production, distribution, and consumption of money, assets, goods and services . Finance activities take place in financial systems at various scopes, thus the field can be roughly divided into personal, corporate, and public finance. A commercial mortgage calculator is simple to use tool which provides figures for repayment and interest rate options on commercial mortgages and real estate loans. Crowdfunding reduces costs – The platforms reduce search costs and transaction costs, which allows higher participation in the market.

Ways the Fed’s Interest Rate Hikes Directly Affect Your Money — and What You Can Do About It

Thomas J Catalano is a CFP and Registered Investment Adviser with the state of South Carolina, where he launched his own financial advisory firm in 2018. Thomas' experience gives him expertise in a variety of areas including investments, retirement, insurance, and financial planning. Take control of your financial future with information and inspiration on starting a business or side hustle, earning passive income, and investing for independence. Each week, you’ll get a crash course on the biggest issues to make your next financial decision the right one.

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Reward-based crowdfunding has been used for a wide range of purposes, including album recording and motion-picture promotion, free software development, inventions development, scientific research, and civic projects. It's possible to get more than one home equity loan on your house, but it can be difficult. You'll need to have enough equity in your home to support your primary mortgage and multiple additional loans. Additionally, many lenders won't want to be third in line for repayment if you run into financial troubles. The lending is often indirect, through a financial intermediary such as a bank, or via the purchase of notes or bonds in the bond market. The lender receives interest, the borrower pays a higher interest than the lender receives, and the financial intermediary earns the difference for arranging the loan.A bank aggregates the activities of many borrowers and lenders.

Issues in medical crowdfunding

Crowdfunding allows for small start-ups and individual journalists to fund their work without the institutional help of major public broadcasters. Stories are publicly pitched using crowdfunding platforms such as Kickstarter, Indiegogo, or Spot.us. The funds collected from crowdsourcing may be put toward travel expenses or purchasing equipment. Crowdfunding in journalism may also be viewed as a way to allow audiences to participate in news production and in creating a participatory culture. Though deciding which stories are published is a role that traditionally belongs to editors at more established publications, crowdfunding can give the public an opportunity to provide input in deciding which stories are reported.

network capital home loans

You’ll probably pay less interest than you would on a personal loan, because a home equity loan is secured by your home. A home equity loan is a type of second mortgage that allows you to borrow against your home’s value, using your home as collateral. Suppose your home is valued at $300,000, and your mortgage balance is $225,000.

Government Shared Services

Consequently, California also has the largest number of electoral votes in national presidential elections, with 55. The current speaker of the House of Representatives is the representative of California's 12th district, Nancy Pelosi; Kevin McCarthy, representing the state's 23rd district, is the House Minority Leader. In fiscal year 2020–21, the state judiciary's 2,000 judicial officers and 18,000 judicial branch employees processed approximately 4.4 million cases. The Port of Oakland and Port of Hueneme are the 10th and 26th largest seaports in the U.S., respectively, by number of TEUs handled. Tons of radioactive waste are stored at San Onofre, which sits in an area where there is a record of past tsunamis.

Most small cities have a council–manager form of government, where the elected city council appoints a city manager to supervise the operations of the city. Some larger cities have a directly elected mayor who oversees the city government. In many council-manager cities, the city council selects one of its members as a mayor, sometimes rotating through the council membership—but this type of mayoral position is primarily ceremonial. The Government of San Francisco is the only consolidated city-county in California, where both the city and county governments have been merged into one unified jurisdiction. California's interconnected water system is the world's largest, managing over 40,000,000 acre-feet of water per year, centered on six main systems of aqueducts and infrastructure projects.

Navy Federal Information

Quantum finance is an interdisciplinary research field, applying theories and methods developed by quantum physicists and economists in order to solve problems in finance. Finance theory is heavily based on financial instrument pricing such as stock option pricing. Many of the problems facing the finance community have no known analytical solution. As a result, numerical methods and computer simulations for solving these problems have proliferated. Many computational finance problems have a high degree of computational complexity and are slow to converge to a solution on classical computers.

Our team is experienced with complex commercial loan structures, and we provide flexible and creative short-term and long-term mortgages secured by a variety of property types. We are a top-ranked balance sheet real estate lender offering streamlined mortgages for commercial and investment residential property . Rural locations, foreign nationals, special-purpose property , and other financing barriers can be considered.

Decision trees, a more sophisticated valuation-approach, sometimes applied to corporate finance "project" valuations (and a standard in business school curricula); various scenarios are considered, and their discounted cash flows are probability weighted. Central banks, such as the Federal Reserve System banks in the United States and the Bank of England in the United Kingdom, are strong players in public finance. They act as lenders of last resort as well as strong influences on monetary and credit conditions in the economy. Monitoring alerts, data downloads, and feature updates are available through the end of your membership term. Phone support, online features, and other services vary and are subject to change.

Investment properties are often purchased from a variety of sources, including market listings, real estate agents or brokers, banks, government entities such as Fannie Mae, public auctions, sales by owners, and real estate investment trusts. Real estate markets in most countries are not as organized or efficient as markets for other, more liquid investment instruments. Individual properties are unique to themselves and not directly interchangeable, which makes evaluating investments less certain. Unlike other investments, real estate is fixed in a specific location and derives much of its value from that location.

Thursday, January 9, 2020

Integrity Home Mortgage Home Financing the Suits Your Needs

We have used them twice in the last year for the purchase of different homes. Mr Ferlisi, Ms. Ferlisi, and Ms. Davis provided us with exceptional customer service. Everyone at Integrity was very professional, knowledgeable, polite, highly responsive, and patient. We are grateful for their assistance and would highly recommend them for your mortgage needs.

I have a great passion and understanding for helping people and I realize how important “HIGH QUALITY” customer service really... My goal is to provide a wonderful and efficient experience on your next real estate transaction. She really takes the time to get to know her clients and their individual situations to find the right loan program... I absolutely appreciate the knowledge and explanations about processes, procedure, terms, and the industry that were willingly offered. Dave took the time to explain everything in detail. Most things he explained before I even asked the question.

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I don't think I could have bought a home without her in all seriousness. If I had to do this all over again, I would be calling her. I'm always referring her to people I know that think they can't buy a home for whatever reason. I was very satisfied with the service tge you provide to me. Thank you so much for everything you guys did for me. Mia was extremely kind and patient every step of the way.

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I have always been impressed by Integrity, and working with Kate Walker on my re-fi was the best experience I’ve had so far. Kate listened carefully to my goals and found the right package for me. Jason and Caragh were very clear with instructions since day one. I always felt their sincere interest to help me and they answer my calls all the time and were very supportive. I am a first time home buyer and knew nothing about this and working with Heather Ross was the best experience I think I could've asked for.

COMMON MORTGAGE MYTHS Bankruptcies and Judgements

Below is a collection of articles and resources brought to you by our lending professionals to keep you informed. I am very satisfied with my experience working with Bill and team. It is almost like you would have had to have been there.

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We came in nervous and stressed about buying a house. Also she made sure we understood everything that was going on and helped us step by step in our first time home buying process. We can't thank her enough for everything she has done for our family. I will definitely recommend her any and everyone.

Fischer, David

Tokenizes on this was a va loan rates for integrity and fast funding for some emts who participate in. I will put in the time, effort and dedication needed to assist you in achieving your goal of home ownership. With my experience, I can assure you that the entire process will be smooth and simple.

integrity home mortgage staunton va

Dave, and I am speaking for Curtis as well, please also express our thanks and appreciation to Brenda Gose as well. I believe in recognizing an exceptional job done. You can definitely count on me to refer anyone I know who could use your services in the future. Dave Partridge and Brenda Gose are two of the finest professionals I know. Picking a mortgage company is daunting but thanks to a referral from a trusted friend we knew we'd be in safe hands. From the first time we spoke with Dave we felt we had made the right choice.

There was good communication and weigh all commercial commercial and that amount should have used across. Pretty much you, integrity home mortgage staunton va home builders llc is expected to know how to? Their customers with integrity home mortgage staunton va.

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“Always available to assist us and quick to respond to our questions. Bill and his Team were patient with us, friendly, and worked hard to get our loan approved”. Everything was taken care of with very little input from us needed. And with where we were coming from, that was awesome. We had a lot to do to get to where we were going and Mia took care of everything on this end. She even attended closing with me and made me feel very welcome here.

Dave answered ALL of my questions, no matter how silly and ran several scenarios so I can make the best informed decision in the process. He was very patient with me and exceptionally timely in his responses! The customer service was the deciding factor for me when choosing a lender. It was a pleasure working with Adam and his team during our recent home purchase.

The mortgage insights that I gained definitely put me more at ease during the process and assured me that things were being done with my best interests in mind. Dave is not only the best mortgage broker in town, but he is the best at customer service broker in town. He makes every attempt to anticipate your needs and exceed them in areas you would not even think of as it relates to a mortgage. I have purchased six homes in my life and I would never consider using any other broker or firm.

Wednesday, January 8, 2020

Homes for Rent in Marysville, OH

Some of the nearby neighborhoods near Marysville are Muirfield Village, Tuttle West, Riverside, and Dexter Falls. You may also be interested in homes that are for rent in the nearby ZIP codes of 43040, 43065, or in neighboring cities, such as Columbus, Delaware, Dublin, or Westerville. Last year, more than 80,000 homes were sold on MHVillage with a combined transaction value exceeding $3 billion. Here's how to evict your roommate so you aren't stuck with this dead weight in your rental for good. To verify enrollment eligibility, contact the school or district directly. School data provided by National Center for Education Statistics, Precisely, and GreatSchools.

homes for rent marysville ohio

Try our tenant screening, or post rental listings to Zumper, Craigslist Marysville, and more. Find Studio, 1 Bedroom, 2 Bedroom, 3 Bedroom, 4 Bedroom rental houses within your budget in Marysville, Ohio. Or you can search for houses over 600 sq.ft, 800 sq.ft, 1000 sq.ft, 1200 sq.ft, 1400 sq.ft, 1600 sq.ft.

Fairmont Mobile Home for Rent

Homes for sale in Marysville, OH have a median listing home price of $322,450. There are 105 active homes for sale in Marysville, OH, which spend an average of 38 days on the market. Some of the hottest neighborhoods near Marysville, OH are Muirfield Village, Tuttle West, Riverside, Dexter Falls, Scioto Reserve. Within Marysville we have 150 rental houses spread across multiple school districts.

To help narrow your search, simply enter the school name within the Rentals.com search bar to find rental homes in that school district. With MHVillage, its easy to stay up to date with the latest mobile home listings in the Marysville area. When browsing homes, you can view features, photos, find open houses, community information and more. You can also narrow your search to show specific types of homes using the sort and filter options available. Choose from price, year, beds, baths, home size, and several others.

Skyline Mobile Home for Rent

There are currently 7 new and used mobile homes listed for your search on MHVillage for sale or rent in the Marysville area. Homes for rent in Marysville, Ohio have a median rental price of $1,800. There are 13 active homes for rent in Marysville, which spend an average of 38 days on the market.

Zillow Group is committed to ensuring digital accessibility for individuals with disabilities. We are continuously working to improve the accessibility of our web experience for everyone, and we welcome feedback and accommodation requests. If you wish to report an issue or seek an accommodation, pleaselet us know. If you wish to report an issue or seek an accommodation, please let us know.

Houses for Rent in Marysville, Ohio

The GreatSchools Rating is based on a variety of school quality indicators, including test scores, college readiness, and equity data. If you are using a screen reader, or are having trouble reading this website, please email

Housing near Moncks Corner, SC craigslist

4 BEDROOM, 2.5 BATHROOM IN HANAHAN! Make this house your home to... COMING SOON New year, new construction, new home, new you! We have the perfect home for you! This new construction has 3 bedrooms, 2 bathrooms and everything you desire.

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Here is your opportunity. This 4 bedroom, 2.5 bathroom home is being newly built in Hanahan with you in mind. Home has stainless steel appliances, LVP flooring, and so many modern touches. Located in Hanahan near schools, shopping, dining, and more. COMING SOON RARE FIND!

Bedroom 2BA 2,260 ft Pet-Friendly House For Rent in Summerville, SC

Upstairs there are 3 additional bedrooms and beautiful front porch for your enjoyment. Charming 3Bed/2Bath 1510 sq ft home located on a quiet cul-de-sac in close proximity to shopping, dining, and Joint Base Charleston. Inside features a spacious living area with cathedral ceilings, hardwood floors, and fireplace. Updated kitchen offers plenty of cabinet and counter space.

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Learn more at rentprogress com smarthome Interest... Get the home you wan... Ladson Welcome home to 1064 Lexi Court. This 3 Bedroom, 2.5 Bath Townhouse is in the desirable Dorchester 2 school district. This home is filled with natural light and an open flow through the first floor.

BEDROOM 1 BATH RENTAL

Click the Show Yourself In button on this home s RentProgress. Com listing or call to register for a self-guided showing at a time that works best for you. This home features Progress Smart Home - Progress Residential s smart home app, which allows you to control the home securely from any of your devices.

Large Two Story Home available in Cane Bay - This beautiful grand home is a dream come through. Master bedroom on first floor with upgrade everything. Nice back yard with pond view and fenced. As you approach this 4 bedroom, 2 1/2 bath home prepare to be wowed. From the inviting front porch, you enter the foyer to the left is the office or 4th bedroom, and to the right is the dining room. Passing through the butlers pantry to the kitchen, you will notice the white cabinetry, under cabinet lighting and granite counter tops.

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The entry leads to a large family room with 9ft ceilings on the first floor. The kitchen boasts a large island, pantry, stainless steel appliances, granite countertops, and ample cabinet spac... Learn more at rentprogress com smarthome Don't mis... Available Immediately!! Be the first to live in this BRAND NEW, 3 bedroom house in well sought-after Cane Bay Plantation.

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This is not an offer to rent--you must submit additional information for review and approval. Avoid rental scams; FirstKey Homes does not lease homes through Craigslist, SocialServe, LetGo or other classified advertising services. This sweet house is one you don't want to miss out on. Right in the heart of Moncks Corner just minutes from shopping, restaurants, public boat landings and with no hassle of a pesky HOA.

Apply soon, homes can g... Save this search to get email alerts when listings hit the market. This home features Progress Smart Home - Progress Residentials smart home app, which allows you to ... New Construction Townhome. Newly built townhome in Boykins Run, a private community in Moncks Corner, conveniently ... Don't miss out On the opportunity to visit a new construction rental home with a great ...

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This is not an offer to rent you must submit additional information for review and approval. Listed features may not be accurate; confirm details with a leasing representative. All applications and lease signing can only be completed through FirstKeyHomes.com using the RentCafe portal. We will never ask for wire transfers, cash apps like Venmo, Zelle, CashApp PayPal, or any other transferring method to collect funds. See FirstKey Homes website for full details and conditions. Listing photos are provided to help you select a home; photos are representative of the home but may not be exact.

Moncks Corner, SC 29461

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homes for rent moncks corner sc craigslist

Formal dining room is to your right and gives an open feel so you won't be closed off to your cook. Living room also includes stunning built in media cabinet. Wood floors through out your bedrooms and main living area and tile featuredboth bathrooms. Walking out the back door you will be pleased to find the privacy fenced in backyard and tremendous space with great potential. Above ground swimming pool will convey along with the shed for plentiful storage. Don't let this one pass you by.

Bedroom 2BA Pet-Friendly House For Rent in Hanahan, SC 1118 River Rd

Colors and photo size may vary based on different resolutions, hue, brightness, contrast, or other photo variations. Contact us to schedule a showing. 5 bathroom home in Moncks Corner, SC, may be just the home for you.

Ft. and is pet friendly. Property may offer ... The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed.

Tuesday, January 7, 2020

Mortgage outlook for 2023: Will home loan rates keep rising? What can home owners expect? CNA

If you want to successfully negotiate either discount or origination points, one of the best things you can do is to apply for mortgages from multiple lenders. Then, when you get loan offers, you can let each lender work to earn your business by negotiating lower rates or closing costs. Mortgage points reduce your interest rate and lower your monthly mortgage payments. But it takes until the break-even point before the real savings start to kick in. Homeowners who expect to move after a few years can actually lose money by purchasing mortgage points. The chart below shows an example of the tradeoffs you can make with points and credits.

It also might not make sense to do this if you plan on refinancing your mortgage soon after buying since refinancing essentially replaces your current interest rate. Discount points are fees on a mortgage paid up front to the lender, in return for a reduced interest rate over the life of the loan. Seller-paid points are a form of discount offered on real estate paid by a property's seller that lowers the cost of a home purchase for a buyer. On a $300,000 home loan, for example, one point is equal to $3,000. Both types of points are included under closing costs in the official loan estimate and closing disclosure that come from the lender.

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On refinances you may be able to finance points as part of your mortgage amount. Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances.

what are points on a home mortgage loan

We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Before the sale closes, you can find information about the points to be paid or lender credits in your closing disclosure document. Afterward, the information about the points you paid is listed in Box 6 of the IRS’ Form 1098, the Mortgage Interest Statement. Mortgage discount points are portions of your mortgage interest that you elect to pay upfront. By doing this, you’re able to lower your interest rate for the length of your loan term.

Have you found a home? Start your application process.

Consult a tax professional if you’re not sure what homebuying expenses are tax-deductible. The interest rate is part of your monthly payment calculation. In general, a lower rate means a lower monthly payment, making it easier to manage your monthly budget. Points are a one-time cost, but you benefit from lower monthly payments for many years to come. Paying points can help reduce your monthly payments and the total cost of the loan. Justin Pritchard, CFP, is a fee-only advisor and an expert on personal finance.

what are points on a home mortgage loan

If you're purchasing, the appraised value usually needs to be equal to or greater than the home's purchase price. We'll send you disclosures listing your loan terms as well as estimated payments, and your application will be reviewed by an underwriter. Our simplified and secure online mortgage application will walk you through the process step by step. If you're a Wells Fargo customer and use your Wells Fargo Online® username and password at the start of your application, we'll prefill some of your information, making it easier to complete the application. Some features of the online application are not available with all loans; talk to a home mortgage consultant.

The Ins and Outs of Mortgage Discount Points

You will need to keep the house for 72 months, or six years, to break even on the point purchase. Because a 30-year loan lasts 360 months, purchasing points is a wise move in this instance if you plan to live in your new home for a long time. If, on the other hand, you plan to stay for only a few years, you may wish to purchase fewer points or none at all. There are numerous calculators available on the Internet to assist you in determining the appropriate amount of discount points to purchase based on the length of time you plan to own the home.

In your offer, the lender will typically offer you multiple rates, including a base rate, as well as lower rates that you can get if you purchase discount points. Mortgage points may be tax deductible as home mortgage interest—but that still doesn’t make them worth buying. In order to qualify, the loan must meet a slew of qualifications on a lengthy list of bullet points, all of which are determined by the IRS. Let’s get origination points out of the way (because, honestly, that’s not really what this article is about).

What happens after my mortgage application is submitted?

Your credit isn't good enough to qualify you for the lowest rate available. Whatever your stage in life – whether you are a first-time home-buyer, a growing family realizing your dreams, or an active adult seeking a resort at home lifestyle – we have the home that is right for you. Divide by 12 and you will get the number of years, in this case 6.34, which is about 6 years and 4 months.

Mortgage Points are one-time fees a home buyer can pay to a lender when closing on a home to lower or reduce their mortgage interest rate. The exact increase in your interest rate depends on the specific lender, the kind of loan, and the overall mortgage market. Sometimes, you may receive a relatively large lender credit for each 0.125% increase in your interest rate paid. Other times, the lender credit you receive per 0.125% increase in your interest rate may be smaller.

Editorial integrity

Mr Wee said current home owners can look for opportunities to either reprice one’s loan – to ask the existing financier for a lower interest rate – or to refinance with another financial institution. In Singapore, a floating home loan rate is usually pegged to SORA. The interest rates vary throughout the life of the loan, depending on the economy and market conditions. Points don’t always have to be paid out of the buyer’s pocket; they can sometimes be rolled into the loan balance or paid by the seller. Mortgage rates—and loan applications—ticked up last week as markets digested mixed messages about the state of the economy, a mortgage trade group said today. A report made by a qualified person to estimate the value of a property, often used to help determine an appropriate loan limit.

what are points on a home mortgage loan

Discount points are tax deductible; Origination Points are fees, so they are not. On average, 1 mortgage point is worth a 0.25% reduction in your mortgage interest rate, but this reduction in interest rate can vary depending on your lender, offers, incentives, or individual circumstance. The break-even point is important as it helps you find the point in time when you will start to see the actual savings on your loan from your purchase of mortgage points. However, if you opt for the 1.75-point discount, you end up paying $375,586 over the life of the loan.

Thinking about buying but not sure where to begin? Start with our affordability calculator.

So, low scores can affect your ability to get a loan, or the lender might decide to charge you a higher interest rate. If your credit scores aren't good, it might make sense to pay points for a lower rate after considering all other factors. Or you could take steps to improve your credit before applying for a mortgage loan. However, buying mortgage rate points—both discount points and origination points—won't increase your equity in the home. Or, you could choose to make extra payments on your mortgage to build equity in your home quicker and pay off the mortgage early. Again, with mortgage discount points, you make an upfront payment at closing, and in exchange, the lender reduces your loan's interest rate.

The points paid weren't for items that are usually listed separately on the settlement sheet such as appraisal fees, inspection fees, title fees, attorney fees, and property taxes. Purchasing mortgage points would be helpful if you applied for your loan with a lower credit score but weren't able to snag a more favorable interest rate. In addition, there is a higher standard deduction, so it's advisable to check with a tax accountant to find out if you could receive tax benefits from purchasing points. Interest rate and program terms are subject to change without notice.

How Points Work on a Loan

It makes sense to get quotes from multiple lenders and ask if any of their figures are negotiable. You can get a better deal if you put down 20% and have a strong credit score. However, if you don’t know how long you’ll be in the home, paying points or taking on a higher interest rate to receive lender credits might not be the best idea. You have a 20% down payment and are taking out a 30-year fixed-rate conventional loan of $240,000 at a 4.5% interest rate.

what are points on a home mortgage loan

What if we told you there was another step you could possibly take to make your rates even more competitive? Ramsey Solutions has been committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development since 1992. Millions of people have used our financial advice through 22 books published by Ramsey Press, as well as two syndicated radio shows and 10 podcasts, which have over 17 million weekly listeners. Once the fixed-rate period is over, you lose your discount, which could happen before you even reach the break-even period. If your estimated interest rate still looks way too high, get areal estate agentwho can help you find a house that’s actually within your budget.

Thinking about buying but not sure where to begin? Start with our affordability calculator.

Shop around for lenders that offer the best reduction from mortgage points. Each point is typically 1% of your total home loan, so one point on a $100,000 loan is $1,000. If rates go down after purchasing mortgage points, then the value of the points would essentially be worthless.

what are points on a home mortgage loan

Consumer Financial Protection Bureau, “What are points and lender credits and how do they work? For more information about mortgage costs, read next about origination fees. Mortgage points are classified as a form of prepaid mortgage interest and are deductible, according to the IRS. Be careful with points and adjustable-rate mortgages, as points usually only impact the initial fixed-rate period.

How Points Work on a Loan

This type of mortgage point is basically a fee that doesn’t lower your interest rate. Trust us, you’re better off paying out-of-pocket for their service. The credit bureaus generally consider credit checks from multiple mortgage lenders as one credit check because they assume you're searching for the best deal. But you have to limit your applications to a short window of time. Some credit-scoring models consider multiple mortgage inquiries within 14 days as just one inquiry, while others treat several inquiries as a single one if you made them within 45 days.

The APR incorporates not just the interest rate, but also the points you pay and any fees the lender will charge, so it can give you more clarity and let you more easily compare apples to apples. Even if you plan to stay in the house for a while, the current environment of relatively high interest rates may have you considering a refi down the road. Refinancing will change your mortgage interest rate, so if you think that could be in your future, it may be prudent to skip buying points mortgage-wise now.

Check out today’s mortgage rates.

In some cases, the seller will agree to pay for points to incentivize a buyer. Getting a mortgage isn't too difficult, but it will involve some effort on your part. If you're planning on taking out a loan to buy a home, you can take certain steps to ensure the process goes smoothly and that you fully understand the transaction. But one point might reduce the rate by more or less than 0.25%, depending on the loan and lender. Learn about the different types of home loans and how to choose a mortgage that will fit your needs. Typically, a mortgage point will reduce your rate by 0.25%, but this can vary by lender.

The number of mortgage points you can buy will depend on your lender. One-point and three-point programs tend to be the most common, but aren’t always the only options. You also don’t have to pay a full point to lower your interest rate. If you can afford to put down more money during closing and intend on staying in your home for a long time, mortgage points could help you save a decent amount of money on interest. Speak with your Home Lending Advisor today to see what option is best for you.

When you borrow money to buy a home, you end up paying more than just the purchase price and closing costs—you also pay interest on your loan. In general, the longer that you plan to own the home, the more that points help you save on interest over the life of the loan. At the end of the day, though, the benefits of discount points depend on the math. If you can afford to shell out a few thousand more up front, then they can result in significant cost savings over the long term, particularly if the home requires renovations. Or they can be an unnecessary cost that the borrower could have avoided with some more structured planning. The longer the life span of a loan, the more you pay interest on it—that’s how financing works in general.

what are points on a home mortgage loan

You may also come across lender credits, which are similar to mortgage credits but in reverse. Your lender may offer a higher interest rate in exchange for extra funds to offset your closing costs. Lender credits mean you pay less upfront but you pay more over time in interest. Points that don't meet these requirements may be deducted ratably over the life of the loan.

Paying for points might—or might not—be a good idea, depending on your situation. Whether you should pay discount points depends on a few factors, like whether you're getting a fixed or adjustable-rate mortgage, your down payment, and how long you plan to live in the home or keep the loan. Mortgage points tend to be more common, but lender credits can be helpful if you don’t have the cash to cover closing costs or if you want to put that money toward your down payment.

If you opt out, though, you may still receive generic advertising. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. Points aren't always in round numbers, and your lender might offer several options.

We go the extra mile to support you in successful homeownership as part of your broader financial well-being. If you’re not planning on living in a home long enough for you to break even on your points. If you’re refinancing and have a large amount of home equity. Using an updated version will help protect your accounts and provide a better experience. Mortgage points are kind of like free throws in a basketball game. And points are how you win the game, so you want as many as you can get, right?

To lower the cost of your monthly mortgage payments, you can pay points when your loan is issued. Borrowers can lock in a lower interest rate on a purchase or refinance loan and pay less on their mortgage over time. This may make more sense for borrowers who plan to stay in their homes for a long time. Estimated monthly payment and APR calculation are based on a down payment of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

Other times, the reduction in interest rate for each point paid may be smaller. It depends on the specific lender, the kind of loan, and market conditions. It down and assess your budget, down payment, loan terms and future plans before you close. Determine your breakeven point and your likelihood of staying in the home to understand if discount points will save you money in the long run when refinancing or buying a home. Since mortgage points help you lower your interest rate, you’ll have to pay less in interest each month.

Like normal mortgage interest that you pay over the life of your loan, mortgage points are typically tax-deductible. They’re available for adjustable-rate mortgages , but when you buy them, they only lower your rate for your intro period—several years or longer—until the rate adjusts. If you’re thinking about getting an adjustable rate mortgage loan, don’t do it! ARM loans are one of the topmortgages to avoidbecause they allow lenders to adjust the rate at any time. This just transfers the risk of rising interest rates to you—yeah, count us out.

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